You will be sued in six months, and it depends on your loan method if you don't change it in six months. Once you don't pay back the arrears, there is a way to double the interest of 200,000 yuan, and give you 10000 a month, and then the interest will roll over and give you more than 80,000 yuan in half a year.
After the lawsuit is over, the bank has two options, auction your collateral directly, such as the house. Suppose your house is worth 6,543,800 yuan. If you owe the bank 280 thousand, the bank will start with 280 thousand. Suppose you bid 500,000 yuan, your name is 10000 yuan auction fee, 20,000 yuan other handling fee, various bank penalty interest, and 280,000 yuan loan, and you can take the remaining 80,000 yuan yourself.
The other is that the house cannot be mortgaged for other reasons. If there is no money to exchange, it will constitute fraud and be handled according to the arrears at that time. Whoever cheats 200,000 yuan shall be sentenced to 10 years' imprisonment, and for every additional 4,000 yuan, the sentence shall be increased by one month. Bank fraud increased 10%